EXHIBIT 32.2

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Baylake Corp. (the "Company") on Form
10-Q for the three and nine months ended September 30, 2004 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Steven
D. Jennerjohn, Chief Financial Officer of the Company, certify, pursuant to 18
U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002, that to the best of my knowledge:

     (1)  The Quarterly Report on Form 10-Q of the Company for the three and
          nine months ended September 30, 2004 fully complies with the
          requirements of Section 13(a) or 15(d) of the Securities Exchange Act
          of 1934; and

     (2)  The information contained in the Report fairly presents, in all
          material respects, the financial condition and results of operations
          of the Company.

/S/ STEVEN D. JENNERJOHN
-------------------------------
STEVEN D. JENNERJOHN
SENIOR VICE PRESIDENT AND CHIEF FINANCIAL OFFICER
NOVEMBER 8, 2004

A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to Baylake Corp. and will be retained
by Baylake Corp. and furnished to the Securities and Exchange Commission or its
staff upon request.

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